Chapter One
1. Fill in the blanks to complete each sentence.
(1) local legal system, political, exchange risks
(2) open account, advance payment, remittance and collection
(3) letter of credit, bank guarantee
(4) price terms, delivery terms
(5) least/minimum, most/maximum
(6) advance payment
(7) open account
(8) clean collection, documentary collection
2. 略
3. Translate the following terms into English.
(1) settlement on bank credit
(2) the potential for currency fluctuation
(3) to clear the goods for export
(4) to pay the insurance premium
(5) to carry out export formalities
(6) the major participants in international trade
(7) the commodity inspection clause
(8) to fulfill the obligation to deliver the goods
(9)t he goods have passed over the ship’s rail
(10)I nternational contract is concluded in a completely different context than
domestic ones
4．Decide whether the following statements are true or false.
(1) F (2) F (3) T (4) T (5) T
(6) T (7) F (8) T (9) T (10) F
5. Choose the best answer to each of the following statements
(1)-(5) BCCBD (6)-(10) DACCC
(11)-(15) BDDCD (16)-(20) DCACD
Chapter Two
1. Fill in the blanks to complete each sentence.
(1) barter
(2) medium of exchange
(3) expensive, risky
(4) our
(5) V ostro
(6) vostro
(7) nostro
(8) specimen of authorized signatures, telegraphic test keys, terms and conditions, Swift authentic keys
2. Define the following terms
(1) Correspondent relationship 〖A bank having direct connection or friendly service relations
with another bank.〗
(2) International settlements〖International settlements are financial activities conducted among different countries in which payments are effected or funds are transferred from one country to another in order to settle accounts, debts, claims, etc. emerged in the course of political, economic or cultural contracts among them. 〗
(3) Visible trade〖The exchange of goods and commodities between the buyer and the seller across borders.〗
(4) Financial transaction〖International financial transaction covers foreign exchange market transactions, government supported export credits, syndicated loans, international bond issues, etc.〗
(5). V ostro account〖Vostro account is an account held by a bank on behalf of a correspondent bank.〗
3. Translate the following terms into English.
(1) commercial credit
(2) control documents
(3) account relationship
(4) cash settlement
(5) financial intermediary
(6) credit advice
(7) agency arrangement
(8) credit balance
(9)reimbursement method
(10) test key/code
4．Decide whether the following statements are true or false.
(1) T (2) F (3) F (4) T (5) F
5. Choose the best answer to each of the following statements
(1)-(5) BCDAD (6)-(10) BBDAB
Chapter Three
1. Define the following Terms:
(1) Negotiable instrument〖“A negotiable instrument is a chose in action, the full and legal title to which is transferable by delivery of the instrument (p ossibly with the transferor’s endorsement) with the result that complete ownership of the instrument and all the property it represents passes free from equities to the transferee, providing the latter takes the instrument in good faith and for value.” 〗
(2) Bill of exchange〖A bill of exchange is an unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand, or at a fixed or determinable future time, a sum certain in money, to or to the order of a specified person, or to bearer. 〗
(3) Check〖A check is an unconditional order in writing addressed by the customer to a bank signed by that customer authorizing the bank to pay on demand a specified sum of money to or to the order of a named person or to bearer. 〗
(4) Documentary bill〖It is a bill with shipping documents attached thereto. 〗
(5) Crossing〖A crossing is in effect an instruction to the paying bank from the drawer or holder to
pay the fund to a bank only. 〗
2. Translate the following terms into English.
(1) 一般划线支票〖generally crossed check〗
(2) 特殊划线支票〖specially crossed check〗
(3) 过期支票〖a check that is out of date〗
(4) 未到期支票〖post dated check〗
(5) 大小写金额〖amount in words〗
(6) 白背书〖blank endorsement〗
(7) 特别背书〖special endorsement〗
(8) 限制性背书〖restrictive endorsement〗
(9) 跟单汇票〖documentary bill〗
(10) 即期汇票〖sight draft〗
(11) 远期汇票〖usance/term bill〗
(12) 承兑汇票〖acceptance bill〗
(13) 可确定的未来某一天〖determinable future date〗
(14) 光票〖clean bill〗
(15) 流通票据〖negotiable instrument〗
(16) 贴现行〖discounting house 〗
(17) 商人银行〖merchant bank〗
(18) 无条件的付款承诺〖unconditional promise of payment〗
(19) 负连带责任〖jointly and severally responsible〗
(20) 出票后90天付款〖payable 90 days after date〗
3. Decide whether the following statements are true or false.
(1) T (2) F (3) T (4) T (5) T
(6) F (7) T (8) T (9) T (10) T
(11) F (12) T (13) T (14) F (15) T
(16) T (17) T (18) F (19) F (20) F
4. Choose the best answer to each of the following statements
(1)-(5) CACBC (6)-(10) BACBB
(11)-(15) BDCCC (16)-(20) BBAAC
5-7 略
Chapter Four
1. Fill in the blanks to complete each sentence.
(1) beneficiary
(2) payment order / mail advice / debit advice
(3) the remittance amount is large / the transfer of funds is subject to a time limit / test key
(4) sell it to his own bank for crediting his account
(5) debits / credits
(6) demand draft
(7) act of dishonor
(8) swiftness / reliability / safety / inexpensiveness
(9) debiting remitting bank’s nostro account
(10) delivery of the goods
2. Define the following Terms.
(1)International remittance means a client (payer) asks his bank to send a sum of money to a beneficiary abroad by one of the transfer methods at his option while the beneficiary can be paid at the designated bank which is either the r emitting bank’s overseas branch or its correspondent with a nostro account.
(2) Remitting bank is the bank transferring funds at the request of a remitter to its correspondent or its branch in another country and instructing the latter to pay a certain amount of money to a beneficiary.
(3) A mail transfer is to transfer funds by means of a payment order or a mail advice, or sometimes a debit advice issued by a remitting bank, at the request of the remitter.
(4) Demand draft transfer is a remittance method using a bank demand draft. It is a negotiable instrument drawn by one bank on its overseas branch or its correspondent abroad ordering the latter to pay on demand the stated amount to the holder of the draft.
(5) Cancellation of the reimbursement under mail transfer or telegraphic transfer is usually done before its payment is made at the request of the remitter or the payee who refuses to receive the payment.
3. Translate the following terms into English.
(1) 汇款通知单remittance advice (2) 汇出汇款outward remittance (3) 国际汇款单international money order (4) 往来账户current account
(5) 自动支付系统automated payment system (6) 作为偿付in cover
(7) 赔偿保证书letter of indemnity (8) 信汇通知书 mail advice
(9) 汇票的不可流通副本non-negotiable copy of draft (10) 首期付款down payment
4. Choose the best answer to each of the following statements
(1)-(5) BCABD (6)-(10) BBBAA
Chapter Five
1. Fill in the blanks to complete each sentence.
(1) presenting bank
(2) title documents / pays the draft / accepts the obligation to do so
(3) legal / the exchange control authorities
(4) the payment is made
(5) open account / advance payment
(6) Inward collection
(7). the remitting bank
(8) trust receipt
(9) D/P at sight
(10) documents, draft, and collection order
2. Define the following terms
(1) Collection is an arrangement whereby the goods are shipped and a relevant bill of exchange is drawn by the seller on the buyer, and/or shipping documents are forwarded to the seller’s bank with clear instructions for collection through one of its correspondent banks located in the domicile of the buyer.
(2) The case of need is the representative appointed by the principal to act as case of need in the
event of non-acceptance and/or non-payment, whose power should be clearly and fully stated in the collection.
(3) Documentary collection is a collection of financial instruments being accompanied by commercial documents or collection of commercial documents without being accompanied by financial instruments, that is, commercial documents without a bill of exchange. Alternatively, the documentary collection is a payment mechanism that allows the exporters to retain ownership of the goods until they receive payment or are reasonably certain that they will receive it.
(4) Outward collection is a banking business in which a bank acting as the remitting bank sends the draft drawn against an export with or without shipping documents attached, to an appropriate overseas bank, namely, the collecting bank to get the payment or acceptance from the importer. (5) Collection bill purchased is a kind of financing by banks for exporters under documentary collection methods. It means that the remitting bank purchases the documentary bill drawn by the exporter on the importer. It involves great risk for the remitting bank due to lack of a guarantee. 3. Translate the following terms into English.
(1) 承兑交单acceptance against documents (2) 商业承兑汇票 trade acceptance
(3) 需要时的代理人case of need (4) 出口押汇export bill purchased
(5) 物权单据 title document (6) 以寄售方式on consignment
(7) 直接托收direct collection (8) 货运单据shipping documents
(9) 付款交单documents against payment (10) 远期汇票time/ tenor/term/ usance draft 4. Choose the best answer to each of the following statements
(1)-(5) ABCAB (6)-(10) ACAAD
Chapter Six
1. Define the following terms:
(1) Letter of credit 〖The Documentary Credit or letter of credit is an undertaking issued by a bank for the account of the buyer (the applicant) or for its own account, to pay the beneficiary the value of the draft and/or documents provided that the terms and conditions of the documentary credit are complied with. 〗
(2) Confirmed letter of credit 〖A credit that carries the commitment to pay by both the issuing bank and the advising bank. 〗
(3) Revolving credit 〖A credit by which, under the terms and conditions thereof, the amount is renewed or reinstated without specific amendments to the documentary credit being required. 〗(4) Confirming bank 〖A bank, usually the advising bank, which adds its undertaking to those of the issuing bank and assumes liability under the credit.〗
(5) Applicant of the credit〖The applicant is always an importer or a buyer, who fills out and signs an application form, requesting the bank to issue a credit in favor of an exporter or a seller abroad.〗
2. Translate the following terms or sentences into English.
(1) 未授权保兑〖silent confirmation 〗
(2) 有效地点为开证行所在地的柜台〖to expire at the counters of the issuing bank 〗
(3) 凭代表物权的单据付款〖to pay against documents representing the goods〗
(4) 信用证以银行信用代替了商业信用。〖A credit places a bank’s credit instead of commercial credit.〗
(5) 信用证独立于它所代表的商业合同。〖A credit stands independent of the sales contract.〗
3. Decide whether the following statements are true or false.
(1) F (2) F(3) T (4) F (5) T
(6) F (7) F (8) T (9) F (10) F
(11) T (12) T (13) F (14) F (15) T
4. Choose the best answer to each of the following statements
(1)-(5) BCDBA (6)-(10) DDCCC
(11)-(15) DDADB (16)-(20) DDDAB
Chapter Seven
1. Fill in the blanks to complete each sentence.
(1) completeness, correctness, consistency
(2) underlying transaction
(3) authorized signatures, test key
(4) comply with
(5) ISO currency code
2. Translate the following terms or sentences into English.
(1) 信用证表面的真实性〖the apparent authenticity of the credit 〗
(2) 标准国际银行惯例〖international standard banking practice〗
(3) 信息交换系统〖data communication network 〗
(4) 有足够的资金来支付信用证〖to have sufficient funds to cover the credit〗
(5) 买方考虑自己的要求也同样的重要〖It is equally importa nt that the buyer’s own requirements be taken into account.〗
3. Decide whether the following statements are true or false.
(1) F (2) F(3) F (4) T (5) T
(6) T (7) F (8) T (9) F (10) T
4. Choose the best answer to each of the following statements
(1)-(5) CDCBC (6)-(10) CAADD
(11)-(15) ADDAB
Chapter Eight
1. Define the following terms:
(1) Commercial invoice 〖The commercial invoice is the key accounting document describing the commercial transaction between the buyer and the seller. It is a document giving details of goods, service, price, quantity, settlement terms and shipment. 〗
(2) Export license 〖An export license is a document prepared by a government authority of a nation granting the right to export a specific quantity of a commodity to a specified country. 〗(3) Bill of lading 〖A bill of lading is a document issued by a carrier to a shipper, signed by the captain, agent, or owner of a vessel, providing written evidence regarding receipt of the goods, the conditions on which transportation is made, and the engagement to deliver goods at the prescribed port of destination to the lawful holder of the bill of lading. 〗
(4) Inspection certificate 〖A document issued by an authority indicating that goods have been inspected prior to shipment and the results of the inspection. 〗
(5) Consular invoice 〖A consular invoice is an invoice covering a shipment of goods certified in
the country of export by a local consul of the country for which the merchandise is destined. 〗II. Translate the following into English:
(1) 战略产品〖strategic commodity〗
(2) 普惠制〖General System of Preference〗
(3) 有预订的泊位〖with reserved berth〗
(4) 多式联运提单〖multi-modal transport bill of lading〗
(5) 抽样方式〖sampling methodology〗
3. Decide whether the following statements are true or false.
(1) F (2) F(3) T (4) T (5) F
(6) F (7) F (8) T (9) T (10) F
4. Choose the best answer to each of the following statements
(1)-(5) ABDAC (6)-(10) CCCDA
(11)-(15) DDAAA (16)-(20) ABACD
Chapter Nine
1. Fill in the blanks to complete each sentence.
(1) acceptable accounts receivable / non-recourse and notification
(2) collection as well as the risk of credit losses
(3) the level of sales
(4) changes in the world economic structure
(5) growing demands
(6) purchasing the client’s accounts receivables
(7) financial and administration
(8) the invoice date / the customer makes his payment
(9) market conditions and his assessment of the risks involved in a particular transaction
(10) fluctuations in the exchange rate / in the status of the debtor
2. Define the following terms
(1) Factoring is a form of trade financing that allows sellers to sell their products to overseas buyers essentially on an open account basis. In simple terms, factoring is the purchase of claims, arising from sales of goods, by a specialized company known as factoring company or factor. Factoring is in fact a three-party transaction between the factor and a business entity, i.e. the exporter selling goods or providing services to foreign the importer.
(2) Forfaiting is the term generally used to denote the purchase of obligations falling due at some future date, arising from deliveries of goods and services--mostly export transactions--without recourse to any previous holder of the obligation. Simply speaking, forfaiting is the business of discounting medium-term promissory notes or drafts related to an international trade transaction.
3. Translate the following terms into English.
(1)或有负债contingent liability (2)信用额度credit limit
(3)卖方信贷supplier credit (4)无追索权的without recourse
(5)信用审定credit approval (6)资本货物capital goods
(7)买方信贷担保buyer credit guarantee (8)福费廷融资便利forfaiting facility (9)贸易壁垒trade barrier (10)大宗采购折扣bulk purchase discount 4. Choose the best answer to each of the following statements
(1) B (2)A (3) D (4) C (5) D
Chapter 10
1. Fill in the blanks to complete each sentence.
(1) secure mechanism for payment / default instrument
(2) party tendering / the contract has been awarded
(3) presentation of the beneficiary’s demand and stipulated documentation
(4) issue a guarantee directly to the beneficiary
(5) Unconditional bonds
(6) withdraw its bid / accept the award of contract in its favor / between 2% and 5%
(7) UCP for documentary credits / Uniform Rules for Demand Guarantee.
(8) An advance payment
(9) borrower (the principal) / the lender (the beneficiary)
(10) counter indemnity
2. Define the following terms
(1) A bank guarantee is an instrument for securing performance or payment especially in international business. It is a written promise issued by a bank at the request of its customer, undertaking to make payment to the beneficiary within the limits of a stated sum of money in the event of default by the principal. It may also be defined as an independent obligation where the guarantor has to make a special agreement with its customer, ensuring that it will be refunded by him for any payment to be effected under the contract of guarantee.
(2) A beneficiary is the party in whose favor the guarantee is issued. He is secured against the risk of the principal’s not fulfilling his obligations towards the beneficiary in respect of the underlying transaction for which the demand guarantee is given. He will not obtain a sum of money if the obligations are not fulfilled.
(3) An indirect guarantee is a guarantee where a second bank, usually a foreign bank located in the beneficiary’s country of domicile, will be requested by the initiating bank to issue a guarantee in return for the latter’s counter-guarantee.
(4) A performance bond is an undertaking given by the guarantor at the request of a supplier of goods or services or a contractor to a buyer or beneficiary, whereby the guarantor undertakes to make payment to the beneficiary within the limit of a stated sum of money in the event of default by the supplier or the contractor in due performance of the terms of a contract between the principal and the beneficiary.
(5) A standby letter of credit is a clean letter of credit that generally guarantees the payment to be made for an unfulfilled obligation on the part of the applicant. It is payable on presentation of a draft together with a signed statement or certificate by the beneficiary that the applicant has failed to fulfill his obligation.
3. Translate the following terms into English.
(1)履约保函performance bond (2)担保书，保函letter of guarantee
(3)反赔偿counter indemnity (4)附属保函accessory guarantee
(5)备用信用证stand-by letter of credit (6)工程承包engineering contracting
(7)基础交易underlying transaction (8)见索即付保函demand guarantee
(9)延期付款保函deferred payment bond (10)反担保counter guarantee
4. Choose the best answer to each of the following statements
(1)-(5) BAADC (6)-(10) BCDBA
Chapter 11
1. Fill in the blanks to complete each sentence.
(1) collection operations for drafts and for documentary collections
(2) all collections / collection instruction
(3) all Documentary Credits / Credit
(4) all Bank-to-Bank Reimbursements / Reimbursement Authorization.
(5) any demand guarantee and amendment thereto / Guarantee or any amendment thereto.
(6) documents / goods / terms and conditions
(7) codification of rules / banking practice regarding documentary credits
(8) international finance, trade, transportation and computer technology
(9) quite different from the practice of guarantee / banking and commercial
(10) bank-to-bank reimbursements
2. Translate the following terms into English.
(1)索偿reimbursement claim
(2)仲裁书arbitral award
(3)银行委员会banking commission
(4)多式联运multi-model transport
(5)偿付保证reimbursement undertaking
(6)银行惯例banking practices
(7)集装箱运输containerized traffic
(8)非转让运输单据non-negotiable waybill
(9)远期托收提示tenor collection presentation
(10)国际商会International Chamber of Commerce
4. Choose the best answer to each of the following statements.
(1) B (2) D (3) C (4) A (5) D
Chapter 12
1. Fill in the blanks to complete each sentence.
(1) payment information / transfer value
(2) confirmation number / confirmation help and notification
(3) for procedures and message formats / computer readable
(4) information / value / net amount
(5) high speed and accuracy
(6) access to the system for the settlement of international money transfers
(7) faster, more reliable communication / lower transmission costs
(8) the international clearing house
(9) standardized formats
(10) Clearing House Automated Payment System / CHIPS
2. Define the following terms
(1) A payment system is the means whereby cash value i s transferred between a payer’s bank account and a payee’s bank account.
(2) SWIFT (Society for Worldwide Inter-bank Financial Telecommunication) is a computerized international telecommunications system which, through standardized formatted messages, rapidly processes and transmits financial transactions and information among its members around the world.
(3) CHIPS (Clearing House Inter-bank Payment System) is a pseudo-wire system in New York City that handles an enormous volume of cash flow between local financial institutions. CHIPS is a settlement system involving primarily about 135 New York City financial institutions and is operated by the New York Clearing House Association.
(4) Clearing House Automated Payments System (CHAPS) is a system of sending and clearing payments on a same-day basis that is available nationwide in Britain and is operated by a number of settlement banks that communicate directly through computers.
(5) Fed Wire is a fund-transfer system operated nationwide in the USA by the Federal Reserve System (the Fed, Central Bank of the USA) that handles transfer from one financial institution to another with an account balance held with the Fed.
3. Translate the following terms into English.
(1) 现金头cash positions
(2) 簿记入账bookkeeping entry
(3) 金融中介financial intermediary
(4) 客户汇款customer transfers
(5) 账目核对account reconciliation
(6) 联储银行支付系统Fed Wire
(7) 非结算银行non-settlement bank
(8) 资金调拨系统fund transfer system
(9) 次支付体系secondary payment system
(10) 储备余额账户reserve balance account
(11) 自动票据交换所automated clearing house
(12) 银行头寸调拨financial institution transfers
(13) 非盈利性合作协会non-profit cooperative society
(14) 外汇买卖和存放款foreign exchange deal and loan
(15) 票据交换所银行同业清算系统Clearing House Inter-bank Payments System
4. Decide whether the following statements are true or false.
(1) T (2) T (3) F (4) T (5) F
5. Choose the best answer to each of the following statements.
(1) B (2)A (3)D (4) B (5) C
Chapter 13
1. Fill in the blanks to complete each sentence.
(1) purchaser or the holder / replaced
(2) clerk or the teller / a small commission
(3) the initial signature / the countersignature
(4) banking instruments / retailing
(5) (assigned) merchant
(6) annual income and the credit standing
(7) issuance, application and clearing
(8) consumer’s credit / current account
(9) separate listing of their cheque numbers
(10) paying the bill in full / drawing revolving credit
2. Define the following terms
(1) A traveler’s cheque is a specially printed form of cheque issued by a financial institution, leading hotels, and other agencies in preprinted denominations for a fixed amount to a customer for use when he is going to travel abroad. A traveler’s cheque is actually a draft of a bank or other agency, which is self-identifying and may be cashed at banks, hotels, etc., either throughout the world or in particular areas only.
(2) A paying agent is one that undertakes by arrangement with the issuer to pay the latter’s traveler’s cheques when presented by the holder.
(3) Credit cards are instruments issued by banks to carefully selected customers with a line of credit ranging from several hundred to several thousand dollars based on the latter’s financial status for use in obtaining, on credit, consumer goods, services and other things when necessary.
(4) A cardholder is the customer who has a current account with the card-issuing bank and whose credit is good, and who based on his financial status can obtain, on credit, consumer goods, services and other things when necessary.
(5) A merchant is a store, hotel or restaurant that is bound to have a pre-arrangement with the card-issuing bank and is willing to accept the credit card for payment of commodities sold or services rendered
3. Translate the following terms into English.
(1) 初签initial signature
(2) 入会费entrance fee
(3) 销售代理selling agent
(4) 商户assigned merchant
(5) 旅行支票traveler’s cheque
(6) 购货收据purchase receipt
(7) 往来账户current account
(8) 签购单，购物单sales slip
(9) 兑付代理人paying agent
(10) 会员费membership dues/fee
(11) 消费者信贷consumer’s credit
(12) 签字印鉴authorized signature
(13) 美国运通卡American Express Card
(14) 非贸易结算non-trade settlement
(15) 零售银行业务retailing banking business
4. Decide whether the following statements are true or false.
(1) T (2)F (3)T (4) T (5)F
5. Choose the best answer to each of the following statements.
Chapter 14
1. Fill in the blanks to complete each sentence.
(1) medium of high-speed digital transactions
(2) business-to-business commerce / its breadth of coverage and ease of use
(3) Putting up a Web site / luring online shoppers in
(4) “e-cash”, “cyber-money”
(5) stored-value products and access products (such as a bank ATM card)
(6) transfer of financial value
(7) advertising purposes
(8) phone orders and credit card orders
(9) digital signatures
(10) debit card account.
2. Define the following terms
(1) Electronic commerce is the ability to purchase goods and services electronically over the Internet from around the world at any time of day or night.
(2) Cyber-payment means the methods that have been implemented to transfer money, new methods of financial transactions as today banks already can transfer money with computers. (3) SET is a single technical standard for safeguarding credit (and in the near future debit) card purchases made over the open networks of the Internet. It is an international protocol that details how credit card (and debit card) transactions on the Internet will be secured using encryption technology and digital certification.
(4) A digital signature is a way to encrypt a message so that the recipient can decode it and be certain of the authenticity of the transaction.
(5) Smart cards are micro- processor-equipped cards that work with card readers installed in the computers of consumers.
3. Translate the following terms into English.
(1) 电子支付cyber-payment
(2) 电子现金e-cash
(3) 信用额度line of credit
(4) 数字化货币digital currency
(5) 电子钱包electronic wallet
(6) 自动出纳机automated teller machine
(7) 商务的全球化globalization of commerce
(8) 个人身份识别号personal identification number
(9) 微芯片埋置式灵通卡microchip-embedded smart card
(10) 电子交易安全标准Secured Electronic Transactions Standards
(11) 电子商务electronic commerce
(12) 加密的磁条encoded magnetic stripe
(13) 存取设备access device
(14) 借记卡debit card
(15) 虚拟指纹virtual fingerprint
4. Decide whether the following statements are true or false.
(6) T (7) T (8) F (9) F (10) F 5. Choose the best answer to each of the following statements.
(1) A (2) B (3) C (4) D (5) D (6) C (7) B (8) A (9) D (10) B
国际结算模拟试题及 答案
《国际结算》模拟试题 一、名词解释：（每题4分，共20分） 1、本票： 2、汇款： 3、沉默保兑： 4、完全背书： 5、背对信用证： 二、单项选择题（每题2分，共20分） 1、甲国向乙国提供援助款100万美元，由此引起的国际结算是（）。 Ａ．国际贸易结算Ｂ．非贸易结算 Ｃ．有形贸易结算Ｄ．无形贸易结算 2、属于顺汇方法的支付方式是（）。 A．票汇 B．托收 C．保函 D．直接托收 3、公司签发一张汇票，上面注明“At 90 days after sight”，则这是一张（）。
A．即期汇票 B．远期汇票 C．跟单汇票 D．光票 4、以下是国际贸易中经常用到的结算方式，其中哪种不属于汇款方式？（）A．押汇 B．预付货款 C．寄售 D．凭单付汇 5、收款最快，费用较高的汇款方式是（）。 A.T/T B.M/T C.D/D D.D/P 6、信用证被广泛使用到，其中有一个重要原因在于信用证对于出口商和进口商来说有资金融通的作用，以下选项不一定是信用证对于出口商的融资方式的是（）。 A．打包放款 B．汇票贴现 C．押汇 D．红条款信用证 7、审核单据，购买受益人交付的跟单信用证项下汇票，并付出对价的银行是（）。 A．开证行 B．保兑行 C．付款行 D．议付行 8、以下关于可转让信用证说法错误的是：（）。 A．可转让信用证适用于中间商贸易 B．信用证可以转让给一个或一个以上的第二受益人，而且这些第二受益人又可以转让给两个以上的受益人 C．未经过信用证授权的转让行办理，受益人自行办理的信用证转让业务视为无效 D．可转让信用证中只有一个开证行 9、以下关于承兑信用证的说法正确的是（）。 A．在该项下，受益人可自由选择议付的银行 B．承兑信用证的汇票的期限是远期的 C．其起算日是交单日 D．对受益人有追索权 10、以下不属于出口商审证的内容的是：（）。
国际结算练习及答案 (1)
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单选题 1、现代国际结算的中心是（ D ）。 A. 票据 B.买卖双方 C.买方 D.银行 2、在汇票的使用过程中，使汇票一切债务终止的环节是（ D ）。 A. 出票 B.背书 C.承兑 D.付款 3、以下属于顺汇方法的支付方式是（ A ）。 A．汇付 B．托收 C．信用证 D．银行保函 4、对于出口商而言，承担风险最大的交单条件是（ C ）。 A．D/P at sight B．D/P after at sight C．D/A after at sight D．T/R T/R:TRUST/RECEIPT 付款交单凭信托收据借单（货），简称D/P下的T/R，西方国家的一种变通做法 5、审核单据，购买受益人交付的跟单信用证项下汇票，并付出对价的银行是（ D ）。 A. 开证行 B.保兑行 C.付款行 D.议付行 6、一份信用证如果未注明是否可以撤销，则是（ B ）的。 A. 可以撤销的 B.不可以撤销的 C.由开证行说了算 D.由申请人说了算 7、D／P·T／R意指（ C ）。 A. 付款交单 B.承兑交单 C.付款交单凭信托收据借单 D.承兑交单凭信托收据借单 8、背书人在汇票背面只有签字，不写被背书人名称，这是（ D ）。 A. 限定性背书 B.特别背书 C.记名背书 D.空白背书 9、汇票债务人承担汇票付款责任次序在承兑后是（ D ）。 A.出票人—第一背书人—第二背书人 B.承兑人—出票人—第一背书人 C.承兑人—第一背书人—第二背书人 D.出票人—承兑人—第一背书人 10、光票托收中不可缺少的单据是（ C ）。 A.货运单据 B.提单 C.汇票 D.商业发票 11、UCP500第三十七条关于商业发票的规定，商业发票必须由信用证受益人开具，必须以（ B ）为抬头。 A.开证行 B.开证申请人 C.指定付款行 D.议付行
一、名词解释 1、不可撤销信用证：P077 信用证一经开出，在有效期内，未经受益人的同意，开证行不得单 方面撤销或修改信用证的内容，这种信用证称为不可撤销信用证。 2、保兑信用证：P077 除开证行外，另有一家银行对符合信用证条款的单据承担付款责任（即加上了保兑），则该证称为保兑信用证。 3、对开信用证：P083 对开信用证是两张互相制约的信用证，应用于易货贸易和来料来件加工装配业务。双方都要需向对方支付款项，但又不是独立的两笔交易，于是就产生了把双方的付款承诺联系在一起的对开信用证。 4、保函：P089 凡由银行、保险公司或其他组织或个人（担保人）以书面开立的，对提示与保函条款相符的书面要求以及保函所规定的其他单据（如建筑师或工程师的证明，判决书或裁决书等）而付款的担保书，或其他付款保证。 5．信用证： 信用证是开证银行根据申请人的要求和指示，向受益人开立的，凭规定的单据在一定时间、一定地点支付（即付款、承兑可议付汇票）一定金额的书面保证 二、填空题 1、不可撤销信用证有如下特征：（开征行的确定付款承诺）、（信用证的不可撤消性）。 2、保兑信用证的特点是：（不可撤消）、（双重的确定付款承诺）。 3、可转让L/C只能转让（一）次。 4、适用备用L/C的国际惯例有（UCP600 ）。 5、保函的性质（提供信用担保）、（独立于基础合同）、（付款的惟一条件是单据，承担第一性的赔付责任）。 6、出口保函的种类有（投标保函）、（履约保函）、（预付款保函）、（质量保函）、（维修保函）。 7．信用证的基本当事人有（申请人）、（开证行）、（受益人）、（通知行）。 8．远期信用证包括（卖方远期信用证）和（买方远期信用证），其中，受益人索款必须开具远期汇票。 9．授权付款行或其指定银行在交单前预先垫付款项给受益人的信用证是（预支信用证）。10．循环信用证按循环方式不同可分为（按时间循环）、（金额循环） 11．循环信用证的恢复方式有（自动循环）、（非自动循环）、（半自动循环）。12．备用信用证用于申请人不能履约时起支付作用，具有担保性质，可分为（赔付）担保和（履约）担保。 13．信用证的开立方式分为（信函开）、（全电开）、（简电开），此三种方式均须由
一、填空题 1、非现金结算就是指使用________各种代替现金流通手段得各种支付工具_______,通过银行间得_________划账冲抵_____来结清国际间债权债务关系。 2、在国际结算中得往来银行主要有________________往来与______________往来。 3、现代国际结算就是以_______票据________为基础、_______单据_______为条件、______银行________为中枢、结算与融资相结合得非现金结算。 二、判断题(用“T”表示正确,“F”表示错误) 1、我国内地与港、澳、台地区之间得货币收付,因属同一个国家所以属于国内结算。(F) 2、目前得国际结算绝大多数都采用记账结算。( F) 3、银行间得代理关系,一般由双方银行得总行直接建立,分行不能独立对外建立代理关系。( T) 4、至今已经形成了一系列被各国银行、贸易航运、法律等各界人士公认,并广泛采用得国际惯例,因此国际惯例对贸易得当事人具备强制性。( F) 5、某银行如果在某国得某地区,即使没有联行或代理行关系,也能够顺利地开展国际结算业务。(F ) 三.选择题(包括单项选择与多项选择) 1、银行在办理国际结算业务时选择往来银行得优先次序就
是( C) A、账户行、非账户行与联行 B、非账户行、联行与账户行 C、联行、账户行与非账户行 D、联行、非账户行与账户行 2、对本课程来说,国际结算得基本内容包括:( ABDE) A、国际结算工具 B、国际结算方式 C、国际结算银行 D、国际结算单据 E、国际惯例 F、国际法律 3、银行在国际贸易结算中居于中心枢纽得地位,具体而言,银行在国际贸易结算中得作用,可以概括为以下几个方面(ABCD ) A、国际汇兑 B、提供信用保证 C、融通资金洽 D、减少外汇风险 4、银行建立代理关系时得控制文件所不包括得内容就是:( D) A、密押 B、印鉴 C、费率表 D、代理范围 5、目前得国际贸易结算绝大多数都就是:(C ) A、现金结算 B、非现金结算 C、现汇结算 D、记账结算 6、引起跨国货币收付得原因中,不属于国际贸易结算范畴得
国际结算习题 QQ:405506457 第三章国际结算中的票据 一．名词解释 1．票据 2．汇票 3．付对价持票人 4．正当持票人 5．承兑人 6．背书人 7．承兑 8．背书 9．记名式背书 10．空白背书 11．限制背书 12．贴现 13．提示 14．追索权 15．跟单汇票 16．光票 17．本票 18．支票 二．是非题 1．票据转让人必须向债务人发出通知。 2．如果票据受让人是以善意并付对价获得票据，其权利不受前手权利缺陷的影响。3．汇票是出票人的支付承诺。 4．汇票上金额须用文字大写和数字小写分别表明。如果大小写金额不符，则以小写为准。 5．票据贴现，其它条件相等时，贴现率越高，收款人所得的净值就越大。 6．本票是出票人的支付命令。 7．支票可以有即期或远期的。 8．划线支票是只可提取现金的支票。 9．支票的付款人一定是银行。 10．支票的主债务人始终是出票人。 三．单项选择题 1．票据的背书是否合法，以（）地法律解释。 A．出票地
B．行为地 C．付款地 D．交单地 2．票据的有效性应以（）地国家的法律解释。 A．出票地 B．行为地 C．付款地 D．交单地 3．票据的作成，形式上需要记载的必要项目必须齐全，各个必要项目又必须符合票据法律规定，方可使票据产生法律效力。这是票据的（）性质。 A．要式性 B．设权性 C．提示性 D．流通转让性 4．票据所有权通过交付或背书及交付进行转让，这是票据的（）性质。 A．要式性 B．设权性 C．提示性 D．流通转让性 5．票据上的债权人在请求票据债务人履行票据义务时，必须向付款人提示票据，方能请求付给票款。这是票据的（）性质。 A．要式性 B．设权性 C．提示性 D．流通转让性 6．出票人在票据上立下书面的支付信用保证，付款人或承兑人允诺按照票面规定履行付款义务。这是票据的（）作用。 A．结算作用 B．信用作用 C．流通作用 D．抵消债务作用 7．汇票的付款期限的下述记载方式中, ( ) 必须由付款人承兑后才能确定具体的付款日期. A. at sight B. at XX days after sight C. at XX days after date D. at XX days after shipment 8．承兑是（）对远期汇票表示承担到期付款责任的行为。 A．付款人B。收款人 C．持票人D。受益人
第三章课后练习和答案（一） 一、选择题（包括单选和多选） 1、我们说票据的无因性是指（）。 A、出票人出票没有原因 B、票据成立与否取决于出票的原因 C、票据的付款是无条件的 分析：正确答案应为C。我们所指的票据的无因性是指汇票、支票的付款是无条件命令，本票的付款是无条件承诺。 2、本票分为一般本票和银行本票两种，一般本票指的是出票人为企业或个人，付期期限为（）的本票 A.即期 B.远期 C.既可以是即期也可以是远期 D.远期180天以内。 分析：正确答案应为C。本票实际上就是付款人为出票人自身的特殊汇票，大多数国家没有专门的本票法，本票视同为汇票，因此本票的期限和汇票是一致的，本票可以是即期的，也可以是远期的。（注意：由于不同国家的法律环境不同，因而不同的国家对票据的期限会有不同的规定）。 3、银行承兑汇票的出票人应为（）。 A、银行 B、商业企业 C、银行或商业企业 分析：正确答案应为B。银行承兑汇票就出票人而言属于商业汇票，为补充商业汇票流通性不足的缺陷，银行应出票人或其他人的请求对汇票予以承竞。 4、拒绝证书是持票人在提示票据遭到拒付或拒绝承兑后向公证机构申请办理的一种证明文件。制作拒绝证书的主要目的是（）。 A.持票人可以合法地要求付款退货 B.持票人可以合法地向前手行使追索权 C.证明托收单据由持票人合法持有 D.证明付款人的行为严重违背《合同法》中的有关规定 分析：正确答案应为B。票据持有人向付款人提示票据，遭到拒付或拒绝承兑时，必须作拒绝证书，其主要目的是合法地向前手行使追索权。 5、票据的善意持票人是指（），取得了一张表面完整、合格的、有效的持票人。 A、虽未付对价，但由别人无偿赠予 B、善意地付了票据的全部对价 C、无意中拾到，但找不到失主 D、从他人手上低价购得 分析：正确答案应为B。票据的善意持票人就是指支付了票据的全部金额的持票人。 6、.以下何种背书属于空白背书（）。 A、Pay to the order of Henry Brown B、Pay to Henry Brown only C、William White William White William White 分析：正确答案应为C。所谓空白背书是指仅转让人签署了自身的姓名，而没有被转让人的姓名。 7、.在承兑交单方式下，如果托收单据中附有汇票，则应要求付款人在汇票上进行承兑。承兑的内容一般应包括（）。 A.“承兑”字样 B.承兑日期或到期日 C.承兑人签字 D.承兑人地址 分析：正确答案应为ABC。承兑地址是多余的，是没有必要的。 8、.关于汇票的付款时间，如果提示日为4月20日，票面上写明“At 90 days from sight”，则到期日付
《国际结算》作业 绪论一、单项选择题 1、银行在办理国际结算时选择往来银行的先后顺序，最先选择的应是（）。 A、帐户行 B、联行 C、非帐户行 D、代理行 2、一家银行的总行与分支行以及各分支行之间的关系，是（）关系。 A、联营银行 B、联行 C、代理行 D、帐户行 二、不定项选择题 1、目前，国际贸易结算中，绝大多数是（）结算。 A、现金 B、非现金 C、现汇 D、记帐 2、银行在国际贸易结算中居于中心地位，具体而言，其作用是（）。 A、办理国际汇兑 B、提供信用保证 C、融通资金 D、减少汇率风险 三、简答题 为什么银行能成为当代国际结算的中心？ 第一篇国际结算中的票据 一、名词解释 1、汇票 2、本票 3、支票 4、背书 5、提示 6、承兑 二、将下列英语译成中文 of exchange bill in due course order order recourse draft draft 's acceptance draft for payment 三、判断题 1、对于未说明开立依据的票据，受票人可以表示拒绝。 2、提示付款即持票人在合理时间内，向受票人提示并要求即时付款，因此，所提示的汇票就是即期汇票。 3、汇票的出票人在汇票的受票人承兑汇票后，即解除了对汇票的责任。 4、票据的付对价持票人的权利不受其前手权利缺陷的影响。 5、票据的正当持票人在汇票被拒付后行使追索权，必须严格按照汇票的顺序逆向进行。 6、远期汇票在受票人做出承兑之前，出票人是其主债务人；在受票人做出承兑之后，出票人才成为该汇票的从债务人。 7、背书人在背书汇票时写明“不得追索”字样，则持票人对该汇票丧失追索权。 8、虽然都是票据，但汇票可以有承兑行为，本票和支票则没有承兑行为。 9、汇票用于国际贸易结算时，通常都开出正、副本。两者具有同等效力，但在付款人对其中一份付款之后，另一份即自动失效。 10、本票的出票人是该本票的主债务人，即使是远期本票，也不必办理承兑手续。 四、单项选择题 1、汇票的付款期限的下述记载方式中，( )必须由付款人承兑后才能确定具体的付款日期。 sight ×× days after sight ×× days after date ×× days after shipment 是不可转让的。( )下列三种汇票中，注明2. to Johnson Co. Ltd. Only B. pay to Johnson Co. Ltd. and its order to bearer to the order of Johnson Co. Ltd.
第一章 SWIFT通讯方式（全称，特点，提供的服务） 全称：society for worldwide interbank financial telecommunications, a computerized international telecommunications system that, through standardized formatted messages, rapidly processes and transmits financial transactions and information among its members around the world 提供的服务Services provided by SWIFT: –FIN (Financial Application) –IFT (Interbank File Transfer) 特点Characteristics of SWIFT: –Quick and cheap; –Secure and reliable; 第二章 来账，往账两个账户的情况 nostro account: due from account, the foreign currency account of a major bank with the foreign banks abroad to facilitate international payments and settlements. Vostro account: due to account, the account held by a bank on behalf of a correspondent bank. From the point of view of a Chinese bank, a nostro account is our bank’s account in the book of an overseas bank denominated in foreign currency; and a vostro account is an overseas bank’s account with our bank denominated in RMB. 两个外汇资金的清算体系（美元2个，欧元一个） Ⅰfunds transferring system in China Intra-city transfer between different banks; Intra-bank transfer between different cities; Inter-bank transfers between different cities. ⅡUSD foreign exchange system: FEDWIRE: a fund transfer system operated nationwide in the USA by the Federal Reserve System to transfer funds from one financial institution to another with an account balance held with the Fed. Real-time gross settlement system: usually operated by central banks, in which each payment order is settled immediately upon its entry into the system in its entire (gross) amount. CHIPS( Clearing House Interbank Payment System): a netting system operated by the New York Clearing House Association. A netting payment system: payment orders debiting the accounts of participants are collected for a certain time period, and then at the end of that time the net position is calculated and cleared for each participant on the basis of the payment orders sent and received. Advantages of netting payment system: lower liquidity requirement that banks need in order to settle payments of a specific value (only the difference between the value of an individual bank’s incoming and outgoing payments is settled by transferring funds) ; netting systems are more efficient from the point of view of the communications and processing capacity employed. Disadvantages of netting payment system: These systems expose participants to a settlement risk, as they are implicitly giving each other
国际结算习题 第三章国际结算中的票据 一．名词解释 1．票据 2．汇票 3．付对价持票人 4．正当持票人 5．承兑人 6．背书人 7．承兑 8．背书 9．记名式背书 10．空白背书 11．限制背书 12．贴现 13．提示 14．追索权 15．跟单汇票 16．光票 17．本票 18．支票 二．是非题 1．票据转让人必须向债务人发出通知。 2．如果票据受让人是以善意并付对价获得票据，其权利不受前手权利缺陷的影响。3．汇票是出票人的支付承诺。 4．汇票上金额须用文字大写和数字小写分别表明。如果大小写金额不符，则以小写为准。 5．票据贴现，其它条件相等时，贴现率越高，收款人所得的净值就越大。 6．本票是出票人的支付命令。 7．支票可以有即期或远期的。 8．划线支票是只可提取现金的支票。 9．支票的付款人一定是银行。 10．支票的主债务人始终是出票人。 三．单项选择题 1．票据的背书是否合法，以（）地法律解释。 A．出票地 B．行为地
C．付款地 D．交单地 2．票据的有效性应以（）地国家的法律解释。 A．出票地 B．行为地 C．付款地 D．交单地 3．票据的作成，形式上需要记载的必要项目必须齐全，各个必要项目又必须符合票据法律规定，方可使票据产生法律效力。这是票据的（）性质。 A．要式性 B．设权性 C．提示性 D．流通转让性 4．票据所有权通过交付或背书及交付进行转让，这是票据的（）性质。 A．要式性 B．设权性 C．提示性 D．流通转让性 5．票据上的债权人在请求票据债务人履行票据义务时，必须向付款人提示票据，方能请求付给票款。这是票据的（）性质。 A．要式性 B．设权性 C．提示性 D．流通转让性 6．出票人在票据上立下书面的支付信用保证，付款人或承兑人允诺按照票面规定履行付款义务。这是票据的（）作用。 A．结算作用 B．信用作用 C．流通作用 D．抵消债务作用 7．汇票的付款期限的下述记载方式中, ( ) 必须由付款人承兑后才能确定具体的付款日期. A. at sight B. at XX days after sight C. at XX days after date D. at XX days after shipment 8．承兑是（）对远期汇票表示承担到期付款责任的行为。 A．付款人B。收款人 C．持票人D。受益人
判断 1、信用证是开证行应申请人的申请而向受益人开立的，因此在受益人提交全套符合信用证规定的单据后，开证行在征得开证申请人同意的情况下向受益人付款。 2、每张正本提单都有相同的提货效力，因此只有控制全套正本才能真正控制提货权 3、国际保理业务适用于O/A、D/A、D/P等结算方式 4、一张连续背书的汇票，若其中一人在其背书时加注“不得追索”，则这张汇票的持票人就丧失了在被拒付情况下的追索权 5、保理融资属长期融资，主要适用于资本型货物贸易的融资需求 6、备用信用证与银行保函的法律当事人一般包括申请人、开证行或担保行和受益人 7、出口商使用福费廷业务导致进口商会承担较高的货物交易价格 8、信用证的到期地点应该是受益人所在地 9、委托人在出口托收申请书上可指定代收行，如不指定，委托行可自行选择它认为合适的银行作为代收行。委托行由于使用其他银行的服务而发生的费用和风险，在前种情况下由委托人承担，在后种情况下由委托行承担。 10、根据债权债务产生的原因对国际结算分类，其中侨民汇款、旅游开支、服务偿付等属于有形贸易结算 11、在福费廷业务中，无论是使用出口商签发的汇票，还是进口商签发的本票，都应要求进口方银行对有关票据的付款提供担保 12、保兑信用证，取得了开证行和保兑行的双重付款保证，对出口商极为有利 13、所谓转汇行，是指接受汇出行委托，将款项转汇给收款人的银行 14、若持票人未在规定时间内提示票据，则丧失使用该票据向其前手追索的权利 15、在托收方式下，信托收据实质上是银行对进口商提供资金融通的一种方式 16、福费廷业务通常金额巨大，付款期限长，贸易双方都是大型进出口商 1-5FTFFF6-10TTFFF11-16TTFTTT 单选 1、当前，业务覆盖面最广的银行间电讯网络是（） A 、CHAPS B、SWIFT C、CHIPS D、TARGET 2、以下不属于出口商审证的内容的是（） A开证申请人的资信 B信用证条款的可接受性 C价格条件的完整性 D信用证与合同的一致性 3、票据背书是否合法，以（）地法律解释 A出票地 B交单地 C付款地 D行为地 4、一信用证规定应出运2500台工业用缝纫机，总的开证金额为USD305000，每台单价为USD120，则出口商最多可发货的数量和索汇金额应为（） A、2540台，USD304000 B、2530台，USD303600 C、2500台，USD305000 D、2500台，USD300000 5 一项福费廷业务中，从出口商与进口商签订交易合同后，至出口商依其与包买商签订的福费廷协议向包买商贴现的一段时间称为（） A选择期 B宽限期 C.承担期 D.协商期 6 以下关于托收指示中说法错误的是（） A.是根据托收申请书缮制的 B.是托收行进行托收业务的依据 C.是托收行制作的 D.是代收行进行托收业务的依据 7 .一般而言，在常年定期、定量交易的情况下，（）最合适
Chapter Seven 1. Fill in the blanks to complete each sentence. (1) completeness, correctness, consistency (2) underlying transaction (3) authorized signatures, test key (4) comply with (5) ISO currency code 2. Translate the following terms or sentences into English. (1) 信用证表面的真实性〖the apparent authenticity of the credit 〗 (2) 标准国际银行惯例〖international standard banking practice〗 (3) 信息交换系统〖data communication network 〗 (4) 有足够的资金来支付信用证〖to have sufficient funds to cover the credit〗 (5) 买方考虑自己的要求也同样的重要〖It is equally importa nt that the buyer’s own requirements be taken into account.〗 3. Decide whether the following statements are true or false. (1) F (2) F(3) F (4) T (5) T (6) T (7) F (8) T (9) F (10) T 4. Choose the best answer to each of the following statements (1)-(5) CDCBC (6)-(10) CAADD (11)-(15) ADDAB Chapter Eight 1. Define the following terms: (1) Commercial invoice 〖The commercial invoice is the key accounting document describing the commercial transaction between the buyer and the seller. It is a document giving details of goods, service, price, quantity, settlement terms and shipment. 〗 (2) Export license 〖An export license is a document prepared by a government authority of a nation granting the right to export a specific quantity of a commodity to a specified country. 〗(3) Bill of lading 〖A bill of lading is a document issued by a carrier to a shipper, signed by the captain, agent, or owner of a vessel, providing written evidence regarding receipt of the goods, the conditions on which transportation is made, and the engagement to deliver goods at the prescribed port of destination to the lawful holder of the bill of lading. 〗 (4) Inspection certificate 〖A document issued by an authority indicating that goods have been inspected prior to shipment and the results of the inspection. 〗 (5) Consular invoice 〖A consular invoice is an invoice covering a shipment of goods certified in the country of export by a local consul of the country for which the merchandise is destined. 〗II. Translate the following into English: (1) 战略产品〖strategic commodity〗 (2) 普惠制〖General System of Preference〗 (3) 有预订的泊位〖with reserved berth〗 (4) 多式联运提单〖multi-modal transport bill of lading〗 (5) 抽样方式〖sampling methodology〗 3. Decide whether the following statements are true or false. (1) F (2) F(3) T (4) T (5) F
国际结算期末模拟试题B及参考答案 一、单项选择题：（每题2分，共10分） 1．T/T、M/T和D/D的中文含义分别为（ D ）。 A．信汇、票汇、电汇 B．电汇、票汇、信汇 C．电汇、信汇、票汇 D．票汇、信汇、电汇 2．以下哪种信用证对受益人有追索权（ B ） A．延期信用证 B．议付信用证 C．承兑信用证 D．即期信用证 3．与信用证方式相比，国际保理业务的独有的特点是（D ）。 A．对出口商提供信用担保 B．进口商承担开证费用 C．要求单证一致 D．要求货物与合同一致 4．以下关于海运提单的说法不正确的是（ B ）。 A．是收货证明 B．是无条件支付命令 C．是运输契约 D．是物权证书 5．允许单据有差异，只要差异不损害进口人，或不违反法庭的“合理、公平、善意”的概念即可，该原则在审证中被称为（ A ）。 A. 实质一致 B.严格一致 C. 横审法 D.纵审法 二、多项选择题：（每题2分，共10分） 1．根据要求付款人付款时间的长短划分，汇票可以分为：（AB ） A．即期汇票B．远期汇票 C．长期汇票D．远期承兑汇票 2．下列哪些汇票是可以流通的（BCD ） A．限制性抬头B．指示性抬头 C．来人抬头D．最后的背书是空白背书 3．下列那些属于汇票的必须记载事项：（ABCD ） A．出票地B．付款时间 C．付款人名称D．付款地点 4．在（）的信用证上，加具（AB ），使受益人的收款有了双重保障。 A．不可撤销B．保兑 C．即期付款D．承兑 5．一笔银行保函业务的当事人中，包括：（ABCDEF） A．委托人B．受益人 C．担保人D．通知行 E．保兑行F．反担保人 三、填空题：（每空1分，共10分） 1．国际结算的方式，基本有三大类：汇款方式、_托收__方式、_信用证_方式。
国际结算》作 绪论 一、单项选择题 1、银行在办理国际结算时选择往来银行的先后顺序，最先选择的应是（） A、帐户行 B、联行 C、非帐户行 D、代理行 2、一家银行的总行与分支行以及各分支行之间的关系，是（）关系 A、联营银行 B、联行 C、代理行 D、帐户行 二、不定项选择题 1、目前，国际贸易结算中，绝大多数是（）结算。 A、现金 B、非现金 C、现汇 D、记帐 2、银行在国际贸易结算中居于中心地位，具体而言，其作用是（）三、简答题 A、办理国际汇兑 B、提供信用保证 C、融通资金 D 、减少汇率风险 为什么银行能成为当代国际结算的中心？ 第一篇国际结算中的票据 、名词解释 1、汇票 2、本票 3、支票 4、背书 5、提示 6、承兑 、将下列英语译成中文 1. bill of exchange 2.sight bill 3.holder in due course 4.payer 5.payee 6. restrictive order 7.demonstrative order 8.without recourse 9.demand draft 10.documentary draft 11.banker 's acceptance draft 12.endorsement 13.acceptance 14.guarantee 15.presentation for payment 三、判断题 1、对于未说明开立依据的票据，受票人可以表示拒绝。 2、提示付款即持票人在合理时间内，向受票人提示并要求即时付款，因此，所提示的汇票就是即期汇票。 3、汇票的出票人在汇票的受票人承兑汇票后，即解除了对汇票的责任。 4、票据的付对价持票人的权利不受其前手权利缺陷的影响。 5、票据的正当持票人在汇票被拒付后行使追索权，必须严格按照汇票的顺序逆向进行。 6、远期汇票在受票人做出承兑之前，出票人是其主债务人；在受票人做出承兑之后，出票人才成为该汇票的从债务人。 7、背书人在背书汇票时写明“不得追索”字样，则持票人对该汇票丧失追索权。 8、虽然都是票据，但汇票可以有承兑行为，本票和支票则没有承兑行为。 9、汇票用于国际贸易结算时，通常都开出正、副本。两者具有同等效力，但在付款人对其中一份付款之后，另一份即自动失效。 10、本票的出票人是该本票的主债务人，即使是远期本票，也不必办理承兑手续。 四、单项选择题 1、汇票的付款期限的下述记载方式中，（）必须由付款人承兑后才能确定具体的付款日期。 A. at sight B.at xx days after sight C.at xx days after date D. at xx days after shipment 2. 下列三种汇票中，注明( ) 是不可转让的。 A.pay to Johnson Co. Ltd. Only B. pay to Johnson Co. Ltd. and its order C. pay to bearer D.pay to the order of Johnson Co. Ltd. 3. 严格地说，跟单汇票所指的“单”，是指( ) 。
一、单选 1.不可撤销保兑信用证的鲜明特点是（A）。第7章 A. 给予受益人双重的付款承诺 B. 有开证行确定的付款承诺 C. 给予买方最大的灵活性 D. 给予卖方以最大的安全性 2.国际贸易结算是指由（C）带来的结算。第1章 A.一切国际交易 B. 服务贸易 C. 有形贸易 D. 票据交易 3.信用证被广泛使用到，其中有一个重要原因在于信用证对于出口商和进口商来说有资金融通的作用，以下选项不一定是信用证对于出口商的融资方式的是（C）。第6章 A. 打包放款 B. 汇票贴现 C. 押汇 D. 红条款信用证 4.信用证能否转让给二个以上的第二受益人取决于（C）。第8章 A. 信用证上面是否标明“transferable”字样 B. 受益人与转让行之间的协议是否规定 C. 信用证是否规定了分批转运 D. 第一受益人与第二受益人商议决定 5 . 一份信用证如果未注明是否可以撤销，则是（B）的。第6章 A. 可以撤销的 B. 不可撤销的 C. 由开证行说了算 D. 由申请人说了算 6.信用证业务中，三角契约安排规定了开证行与受益人之间权责义务受（A）约束。第6章 A. 销售合同 B. 开证申请书 C. 担保文件 D. 跟单信用证 7 . 以下属于顺汇方法的支付方式是（A）。第3章
A. 汇付 B. 托收 C. 信用证 D. 银行保函 8 . 以下关于海运提单的说法不正确的是（C）。第9章 A. 是货物收据 B. 是运输合约证据 C. 是无条件支付命令 D. 是物权凭证 9 . 背书人在汇票背面只有签字，不写被背书人名称，这是（D）。第2章 A. 限定性背书 B. 特别背书 C. 记名背书 D. 空白背书 10 . 信用证业务特点之一是：银行付款依据（A）。第6章 A. 信用证 B. 单据 C. 货物 D. 合同 11 . 对于出口商而言，承担风险最大的交单条件是（C）。第4章 A. D/P at sight B. D/P after at sight C. D/A after at sight D. T/R 12 . 远期信用证中开证行会指定一家银行作为受票行，由它对远期汇票做出承兑，这家银行应该是（C）。第6章 A. 议付行 B. 付款行 C. 承兑行 D. 偿付行 13 . 下列关于信用证的说法正确的是（B）。第6章 A. 单证相符时，开证行或保兑行应独立的履行其付款承诺。除了受买方申请人制约，不应受其他当事人干扰 B. 信用证是独立文件，与销售合同分离 C. 信用证作为一种结算工具，其是否有效执行，取决于该笔交易是否得到银行认可 D. 采用信用证方式，银行不仅处理单据，还要监管货物 14 . 银行审核单据的合理时间是不超过收到单据次日起的（C个工作日。第11章 A. 1 B. 3 C. 7 D. 5 15 . 信用证的议付行与付款行的本质区别在于：（C）。第6章 A. 付款行是开证行的付款代理人，而议付行不是
国际结算模拟试题及答 案 Company number：【WTUT-WT88Y-W8BBGB-BWYTT-19998】
《国际结算》模拟试题 一、名词解释：（每题4分，共20分） 1、本票： 2、汇款： 3、沉默保兑： 4、完全背书： 5、背对信用证： 二、单项选择题（每题2分，共20分） 1、甲国向乙国提供援助款100万美元，由此引起的国际结算是（）。 Ａ．国际贸易结算Ｂ．非贸易结算 Ｃ．有形贸易结算Ｄ．无形贸易结算 2、属于顺汇方法的支付方式是（）。 A．票汇 B．托收 C．保函 D．直接托收 3、公司签发一张汇票，上面注明“At 90 days after sight”，则这是一张 （）。 A．即期汇票 B．远期汇票 C．跟单汇票 D．光票 4、以下是国际贸易中经常用到的结算方式，其中哪种不属于汇款方式（）A．押汇 B．预付货款 C．寄售 D．凭单付汇 5、收款最快，费用较高的汇款方式是（）。 T T D P 6、信用证被广泛使用到，其中有一个重要原因在于信用证对于出口商和进口商来说有资金融通的作用，以下选项不一定是信用证对于出口商的融资方式的是（）。
A．打包放款 B．汇票贴现 C．押汇 D．红条款信用证 7、审核单据，购买受益人交付的跟单信用证项下汇票，并付出对价的银行是（）。 A．开证行 B．保兑行 C．付款行 D．议付行 8、以下关于可转让信用证说法错误的是：（）。 A．可转让信用证适用于中间商贸易 B．信用证可以转让给一个或一个以上的第二受益人，而且这些第二受益人又可以转让给两个以上的受益人 C．未经过信用证授权的转让行办理，受益人自行办理的信用证转让业务视为无效 D．可转让信用证中只有一个开证行 9、以下关于承兑信用证的说法正确的是（）。 A．在该项下，受益人可自由选择议付的银行 B．承兑信用证的汇票的期限是远期的 C．其起算日是交单日 D．对受益人有追索权 10、以下不属于出口商审证的内容的是：（）。 A．信用证与合同的一致性 B．信用证条款的可接受性 C．价格条件的完整性 D．开证申请人的资信 三、判断正误题（以下各命题，请在正确命题后的括号内打“√”，错误的打“×”，每题1分，共10分） 1、信用证的基本当事人包括：出口商、进口商、开证行。（）